Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a risk-based capital ratio of 18.0 and a capital leverage ratio of 12.1. A current level of 5.6 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Good asset quality (7.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (5.2 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.9 has resulted in Fair (4.1) profitability.
Asset Mix:
Securities (36%), home mtgs (13%), comm loans (9%), comm re (8%), consumer loans (2%), cash (1%), home eq lns (1%), other (29%)
States with Branches:
IA
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Guthrie County Bancshares, Inc.
Investment Rating
--
Address
505 East Main Street
Panora, IA 50216
Panora, IA 50216
Phone Number
(641) 755-2400
Year Founded
1931
FDIC Number
Website
Largest Affiliates
No affiliate information available.